# NORTHERN KENTUCKY
Highland Height, KY · NCUA charter 21339 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northern-kentucky-21339

Who the members are: federal charter, multiple common bond, organized 1973. 6,790 members of 150,000 potential (4.5% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $43.7M |
| Members | 6,790 (-4.8% YoY) |
| Full-time staff | 10 |
| Net worth | $5.9M |
| Net worth ratio | 13.4% (p40 of band) |
| ROA (annualized) | 1.72% (p89 of band) |
| Total delinquency | 0.32% (p37 of band) |
| Net charge-offs (annualized) | 0.08% (p57 of band) |
| Loans / shares | 49% (p37 of band) |
| Cash / assets | 39.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.21% (p64 of band) |
| Operating expense / assets | 3.35% (p42 of band) |
| Vehicles % of loans | 69% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 4% |
| Third-party paper % of net worth | 10% (p90 of band) |
| Vehicle delinquency | 0.40% (p48 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 3% |
| Average share balance | $5,057 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $19,165 |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $12,482 |
| Loans granted, annualized | $8.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $19,165 outstanding purchased (0.3% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.4% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | losing money, members leaving |  |
| 2017-06 | 4 | net worth falling | losing money |
| 2017-09 | 3 | 3rd-party paper>100% NW | members leaving, net worth falling |
| 2017-12 | 2 |  | 3rd-party paper>100% NW |
| 2018-03 | 3 | members leaving |  |
| 2018-06 | 3 | net worth falling | members leaving |
| 2018-09 | 3 | delinquency rising | net worth falling |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 4 | thin capital, losing money |  |
| 2020-06 | 4 | net worth falling, margin squeeze | delinquency rising, losing money |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | net worth falling |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | delinquency 2x band |  |
| 2021-12 | 5 | delinquency rising |  |
| 2022-03 | 5 | losing money | margin squeeze |
| 2022-06 | 6 | net worth falling |  |
| 2022-09 | 3 |  | delinquency rising, losing money, net worth falling |
| 2022-12 | 2 |  | delinquency 2x band |
| 2023-03 | 1 |  | thin capital |
| 2023-06 | 3 | delinquency 2x band, assets shrinking |  |
| 2023-09 | 2 |  | delinquency 2x band |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | members leaving |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-19 [UK Federal, Cove FCU Complete Merger, Creating $1.75B Kentucky CU - cutoday.info](https://news.google.com/rss/articles/CBMioAFBVV95cUxPa2pPcVYtMzlrSTlIYlltYzZEaGNDTXQ2N0hZZFFNajk2eDZvSUlaci1DUThmaHhkeF9zcEVjck0yblZscTdBRGpYM29MVUMwN1ZmOGtlQ3UyWXpCcmVhTTF5ZHVILXpaemZKRFU1UlJVMk4tZHJJc0VnS25jcU9UN0E0d1hxRi1nSEJkNllTQmd2eW5rcW9JX3lVOFVWWXRU?oc=5) · cutoday.info
- 2026-02-01 [Inside Presence, Defensive Pressure Power Oakland Past NKU - Oakland University Athletics](https://news.google.com/rss/articles/CBMivAFBVV95cUxQQTdOLXVzem52Z2FDQ1hHRTdNMl90Z1d6bnZHRU5TS0EtRnRLTHI3dUxCeGNrQ0NBX3BtNFVqRFpETTZ4X2xnWUdVZ0dsWTNhV2x5QXdNOGpDWTEtZmNRSDR3dUtEZVdqNUJCbWZyVklDbEV1TURuMTVVd1JTWjdSSDNyZE1XSkQxS0w4c3R2SFpaUzAwN0lnWWgwZVVBUlUwRWtEZU1wSF9sd2tEODRpLWRkZmxoeWFzNUVZdQ?oc=5) · Oakland University Athletics
- 2025-11-08 [Oakland Edged by Northern Kentucky, 3-0 - Oakland University Athletics](https://news.google.com/rss/articles/CBMipwFBVV95cUxNUDFPRXBmSEhfVzlfOVNNVTJFSnB5dW9Mclg0ZmtGQnB2cFl6ejY3RW04Q0kzNkZJYnFDb3VSNS14bjFPS1ZJRnJzbzdTWEtUUU0wTmItN0k2dUdvbDFRa1FvVkI0aHNDNmtnQTFwTk1OWGFTLWE4TWhFVWt0b3BfaW9CZDEwS0hIMF9HYWxWYWZvWEx3YzhqY0xqU2xVVVhoSE02aEtLZw?oc=5) · Oakland University Athletics
- 2026-05-01 [Penguins Erupt for 10 Straight Runs, Top NKU 11-6 in Series Opener - ysusports.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZzR2N0ZFc1ZvdWF6WmRfZ1l4RW9CSEp0bC13eXdtUHM1TTJHa1YwQ2dkek5sc0trcXdPU1M0S0lMb2J0Rll5dzhOZWVLYVpScHM2a05neHNOUXZNX2xlc3ZFOGt4TDN6SC03enhOWlBqbExUOHFqb041Mi1LdVZpYUViQ1dvSUJiVktjekhKcTJKQllyZlBlNDlrcEJqbktWMEVvWTJBb05RLWFnLUpr?oc=5) · ysusports.com
- 2019-03-07 [Flush with banks, hundreds of billions of dollars flow in and out of Northern Kentucky - The Lane Report](https://news.google.com/rss/articles/CBMixwFBVV95cUxQTTdIbHNHUXBlMUV5dndGUXZzR2RnUnNrUUJUQ2ZHa3lQSVVLMldKdjJUY29rbW9NZkRGYTdqbldhVnVSUlZUbi1jeWowUUszYUtZVHNMRzdOZ01iM0ZfbFNwaTk3ZVQzOWROZE1jTzhCZF96UXU4ZENPR2JOSFk4SWxrSUI1YmJQM0Y5NG56U1VUVEZlbmFleXhfanZ2TFZ5T0FKU1I4TjlnbTVQXy1EcElSOHdVY2ZLQ0ZCamItekFMX1kya3JV?oc=5) · The Lane Report
- 2019-10-10 [Cincinnati man charged with robbing NKY credit union - FOX19 | Cincinnati](https://news.google.com/rss/articles/CBMijwFBVV95cUxOWFhVYzhnQjAtNFhZb0ZWcHZMOUNRU3FpQ2QzU0duLTZLcHRPZjZtRVdvNkR6cnVsNGY3WlJlZ18yZUdlZGhnLWZCdHNsWTJpRTA3UGJTUjYxRHh3Qjc0T2FGbWhRNjFoa2ExRElzZElVU280VGloMC1BTXpWZGJIMExEcmlBVDhzTE1NbnpGb9IBowFBVV95cUxOQmxwcDdDNUtZaGlycnY4RWF6WXJ6QngxYXg4UWlvRFp3bE10M1I2VXNrY3dGb2I4M0xfa2x4bW1NVDM1Tngtcjhnc2s0Njhidk04RTFhdUJlM1o1SE5LY2dSb3pTdnJzbWwweDVaY2JaZzVzX29rN0VrRmJUbEVxQWhlQ1lFcVYyd0NvTzIxbDU4OEFLcnhrVEYwSEdRWlBWMTdr?oc=5) · FOX19 | Cincinnati
- 2020-08-19 [NKY Education Council, Chamber hosted virtual Excellence in Education awards — here are winners - Northern Kentucky Tribune](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOdVdheVRDdk14SC05VlZiX2R0c0J5RlllSnRVWGFpTXl1NmVKeTg0VWhfREVfbWkxMEYwclgtYlNWN3NBY2RKdzg2ZFFNeHJiZngtR2RmOFJ0cHpZOFg5dnFrSERWdHowNE5jRzVIRWl3VXhBWGJvdmtHNHNMWFJSanFNSmcwN2JNY3ZuU05NbDlaU3NvZE5mV0N6cW9RN2xkY3pLbmNRVV9penU0ZXRtWGhoeFhVclpzeDA2anhtOXNyUQ?oc=5) · Northern Kentucky Tribune
- 2013-11-29 [A look at L&N Federal Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOTWtmQmhWNzhfZlpONnV2c1VZeEN0cjBfRHBwemVwd3RIblN0Um93eUdoNkF2TlVhUjBoT3NUTXlKTFIxbW1XN2tkZzhoREFfSVZYVDd3X25lUFYwYTVJNlpKNVBha1dyaTZWaUJMbUtKRUdRVHFSejRPUVRFeHc1WGpUSmtGamlJb2xRMjlyYmwxVFU1bWJESG1tUk5WNmlhNG1RQQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21339 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/27.json (key "21339", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=21339
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide